topic Re: Really Need Help !!!!! in Rebuilding Your Credit

Really Need Help !!!!!

Anonymous — Wed, 24 Mar 2010 14:12:39 GMT

Can anyone give me any suggestions on how to even begin to fix my credit Im like a 450 my problem is its mostly medical and almost all are at collections. Since mid 2007 I have dealt with health issues first 2 hearts surgeries then finally get that taken care then diagnosed with breast cancer at that point my job terminated me an now with my restrictions having a heck of a time getting job been on unemployment since Now that Im somewhat back on my feet I want to clear up my credit I don't even know where to begin are car was repossed during all my sugreies and we are one of the lucky ones with the Home Modification program we were just approved so we can now keeep our home, can anyone direct me on where I can begin and how. So stressed out over this.

Re: Really Need Help !!!!!

Anonymous — Wed, 24 Mar 2010 14:41:36 GMT

You should post this (or it will be moved) to the rebuilding your credit forums. There are many people there who can lead you in the right direction.

Re: Really Need Help !!!!!

Schoolbuskid — Wed, 24 Mar 2010 16:44:10 GMT

Hi and welcome to the forum.

When dealing with medical collections it is advised that you go through the hipaa process. This process protects you and makes sure that your collections are deleted. Now you will have to pay all medical collections in order for the process to work.

Can you list your current collections?

Example:

Amount

DOFD

Start with this and i'm sure you will receive more help.

Re: Really Need Help !!!!!

Anonymous — Wed, 24 Mar 2010 16:55:06 GMT

Have you talked to the hospital? I know sometimes they have patient financial departments that will find grants and the like to help out. I have a friend who was hospitalized in September and died several days later, but the hospital that she was at essentially had some kind of grant that took care of it (no insurance, already hundreds of thousands into medical debt....)